My Auto insurance policy was cancelled for non payment, and withing the time of cancellatio, I had an accident. originally, my insurance copmany wanted me to come in and reinstate the policy but as soon as they find out that a case was taken out under my name, they refuned me the reinstatement money back and a few days later, they sent me another letter requesting for payment owed before the policy was cancelled. my questions is, should I sent them another payment or not. since they cancelled my policy and refused to cover the accident cost, I don't think I should send them any more money, should I? thank you so much for your help.
2006-11-20 02:35:24 · 4 answers · asked by o 1 in Cars & Transportation ➔ Insurance & Registration
Well, they won't cover the accident in any case since it happened while you were uninsured. If you were canceled for non pay, you may also now not have a license to drive, since many states will suspend a license upon getting notified that you have let your insurance lapse. I don't recommend this usually, but I think in your case you need to consult with an attorney and find out your options before you are out lots of money and required to file an SR 22.
Good luck.
2006-11-20 02:44:51 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
If your insurance company wants to settle this 50/50 then there must be evidence that both of you were reversing. When it comes to parking lot accidents the story adjusters hear most often is "I had just finished reversing out of my parking stall and was stopped in the aisle when the other vehicle reversed out across from me and hit the side of my my car". So if you have 2 drivers both saying the same think what do you do? One cannot be taken over the other as more credible (only a judge has that leeway) so the insurance companies have no choice but to do a 50/50 split. Most drivers (as well as insurance companies) are happy with this decision but what else can be done. Usually both parties walk away from it and that is the last anyone hears about it. Rarely does someone sue for an accident of this type as the damages are minimal (usually).
2016-05-21 22:17:29 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I have had this happen. My ins. co cancels my policy if my payment isnt exactly on time. Whenever they do this I have to go in and sign a waiver stating that I have been in no accidents etc. during the time of cancellation. Since you are not asking them to cover the cost of the accident they should not require you to pay the premium of the month that they canceled you . You should have to pay the premium to get restarted. I think I would shop around for a new ins. co- who knows you might find one cheaper!
2006-11-20 02:41:11 · answer #3 · answered by Samantha 2 · 0⤊ 0⤋
Dont give them another dime....go get better insurance.
Here is a cheap good insurance site.
http://www.progressive.com
2006-11-20 05:34:02 · answer #4 · answered by sunflare63 7 · 0⤊ 0⤋